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Connecture To Present The Key Elements Of Successfully Navigating The Medicaid Enrollment Process

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Connecture To Present The Key Elements Of Successfully Navigating The Medicaid Enrollment Process BROOKFIELD, Wis., Sept. 9, 2014 /PRNewswire/ -- Connecture, Inc., the leading provider of Web-based information systems used to create health insurance marketplaces, invites individuals, brokers and caseworkers to join them on Wednesday, September 10, in an interactive webinar.... Reported by PR Newswire 21 hours ago.

How Obamacare Is Failing Young Entrepreneurs

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Just last month I turned 26. It's a momentous occasion for any adult: you receive that five-year reunion email from your alma mater, realize you've been an adult longer than you were an adolescent. Your life is now, undeniably, in your own hands. You lose your parents' health insurance.

As a writer who has opted out of a traditional career path, it is even more terrifying. As a young woman prone to full-body, tonic-clonic seizures, it is unbearable. Because creative types, aspiring young entrepreneurs, people taking the path less traveled aren't covered by employee benefits. They're on their own. Enter Obamacare. The solution to the problem of underinsured Americans... right? For $95 dollars a month, you can have access to hospitals, doctors, important prescription medications. You're safe. For $200 a month? Why, you're practically golden.

Screech to a halt in front of the Rite Aid pharmacy counter. Labor Day. 10 a.m. The $510 bill for Lamictal boring a hole through my skull. Those dull, echoing words: "your insurance doesn't cover this medication." Lamictal, the generic drug used not only to treat epilepsy, but bipolar disorder, PTSD. It's the drug that my doctor, the Head of Neurology at NYU medical center, prescribed as the best anti-epileptic medication on the market. It's a generic, all-pervasive pharmaceutical drug. Everybody uses it.

If Anthem Blue Cross had a headquarters, you can bet your top dollar I would have been camped out in front of there that Monday morning. Maybe with a picket sign. Maybe just with the very long, very depressing receipt. Instead, I waited impatiently until the next day. And even more impatiently on the phone for an hour that next morning. And again, those soul-draining words: "Your medication is not covered."

See, the sneaky thing is, lamotrigine is written in black and white, right there on the approved prescription drugs page on my provider's website. I know. I checked. I checked before I wrote the check for $200 a month for their Gold Plan, and again after. Just to be sure. Just because I was terrified of what would happen if I had chosen the wrong plan. Because I couldn't afford not to have it covered. Yet from outside the medical field, I wasn't informed enough to know that, golly gee, the covered medication was for something called tabs, not the Extended Release formula that I need. To keep me seizure-free. To allow me to drive my car. To allow me to leave my house. To allow me the peace of mind to swim in the ocean with my friends on a California weekend.

So here I am, 26 and paying out-of-pocket nearly more than I make in a week because a leading insurance provider, on an expensive Gold-Level plan, cannot give me the medication I need. In a country priding itself on innovation, we're doing a hell of a job making sure our young adults can take the risks necessary to push our country forward. So we can have those non-profit organizations, the iPhone apps, the car-sharing websites that make our lives easier and more streamlined. The innovation that we say sets America apart. So, the health care problem is not over. And at 26? It's just getting started. Reported by Huffington Post 20 hours ago.

Detroit's Stik Helps Companies Find Their Biggest Advocates

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By Wayne Lam and Adam Ludwig

In anticipation of our Techonomy Detroit conference on September 16, we are profiling Detroit-area tech startups that are driving the city's re-emergence as a center of innovation.

When we have important "life administration" decisions to make--getting a loan or a new health insurance plan--we often turn to people we know and trust. A Detroit startup called Stik is asking, "What if businesses could use the Internet to better harness the power of recommendations and benefit from the emerging 'reputation economy?'"

Stik's end-to-end solution helps businesses grow through referrals, and lets consumers discover businesses they can trust using a new form of social advertising. We spoke with co-founder Nathan Labenz about the age of advertising built on personal testimonials, and why he moved his startup from Silicon Valley to the Motor City.

*How does Stik work?*

We help businesses leverage their customer's stories to achieve their goals. If you ask business owners how they would like to grow, they'll say, "I'd like to grow with my existing customers telling more people about me." That is true in auto, home, mortgage, insurance, education, health and wellness--all sorts of people who have businesses that want to get more customers to refer more business their way.

We help businesses collect a high volume of authentic success stories and then we package those up into marketing assets, which can be advertisements, things that can be put into a newsletter or website, across different touch points that reach the customer.

*What does that kind of customer outreach do for businesses?*

It results in the right kind of awareness and the necessary level of trust. It's one thing to see an ad that says "we are the best;" it is another thing to see an ad that says a particular customer or your friend had a great experience. That is the Holy Grail, when you can show customer success stories in a way people can believe. Our research has shown that a marketing message that features a review gets three times higher engagement than a standard brand ad. People like to see what other people are saying. When a friend is in an ad, engagement is 13 times higher than a standard brand ad.

*How do you collect customer feedback?*

It's pretty simple. We work with businesses to reach out to customers and we just ask them, "Do you mind doing a testimonial for us? We would really like to use your words in our marketing material." If you are a business and you do a good job for people and you ask the right way--which we understand how to do better than most of our clients--people will just do it.

We require everyone who does this to validate his or her content with a Facebook account. We want to ensure no one is posting fake stuff, which is a huge problem across a lot of review sites. And because this content we are creating is going to be available to businesses, we need to be sure the testimonials are credible. How do you make a testimonial really credible? It helps a lot if you have a person's full name. And showing their face personalizes and humanizes it. Because we are sending them through Facebook, we can just point to their profile picture.

*Do you use the same advertising tools on Facebook that regular businesses do?*

There are some similarities, but we do not use the same tools. We are a Facebook ads API partner, so we have programmatic access to this stuff; we're not limited to the tools that a local business can use. We are making promoted posts, but it is something more than that. Who do we target with this message? How do we make sure the message is right for the right audience? How do we make a message that can be as credible as it can be? That's where so much of the value is.

*What distinguishes you from other advertisers who use customer testimonials?** *

What we do that is different is provide an end-to-end solution. A lot of businesses have happy customers, but they do not have a good library of customer success stories. Helping them get that content in the first place is huge. The production is also a challenge. If I have 1,000 success stories, how do I put them in a marketing format that will look good in places where I want to use them? We have software that makes it easier.

*Most of your clients are in real estate and insurance. Why not focus on restaurants or small shops?*

[In real estate and insurance] trust is a big factor in the decision-making--it's a big dollar value, it's a major life decision, it's something people really fear potentially getting wrong. If the stakes are high, we are much more valuable. These are the markets that we are very effective in.

We look for high trust, big decision, big dollar, and big importance markets.Yelp does a very good job with restaurants, but they don't do a very good job with the categories we serve. I don't need a very strong reference to feel comfortable to go to a new restaurant.

*What does the future hold for Stik and for advertising in general?*

This platform will be integrated with more social media platforms like Twitter, LinkedIn, Google+.

There is a great study from Deloitte that says the number 4 factor driving consumer purchases decisions in America is online reviews. Number 3 is TV. Number 2 is recommendations from social media and number 1 is friend recommendations. But most of the ad spend goes to TV and other traditional advertising channels. No one has figured out how to get their marketing departments to influence numbers 1, 2, and 4.

Going forward we will see a big shift away from generic brand messaging and much more emphasis on what we have done for a customer, someone you know, or someone who looks like you, has overlapping characteristics with you, or is in the same situation as you.

*You moved Stik from Silicon Valley to Detroit in 2012. Why?*

The talent wars. Being from Detroit and realizing there is a ton of talent here, but not a lot of startups, we thought we could build a better team in the longer term. I think that has proven to be true. There is no Google or Facebook sucking up all the software developers. We have a great team.

*What will it take to rejuvenate Detroit's economy?*

In the last five years, I've seen tremendous progress in Detroit. Quicken Loans and Dan Gilbert are in many ways leading the charge, making a ton of investments, not only in real estate but also in companies like ours. They have invested in us through Detroit Venture Partners, and they have moved into the downtown area and infused a "yes you can" spirit.

There is a sense of momentum. Is there a long way to go? For sure, but I think that the bottom has passed and the city is definitely on the upswing. The ingredients needed here are in place. There are people who believe in it. This is the place to be right now.

Article originally published on Techonomy.com. Reported by Huffington Post 19 hours ago.

Regents look to Georgia taxpayers for $1.99B budget

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The University System of Georgia Board of Regents Tuesday requested $1.99 billion in state funding for the fiscal year starting next July, an increase of $46.4 million over this year’s budget. The largest part of the additional spending – $24.4 million – would go to cover the rising cost of health insurance for university system employees and retirees, John Brown, vice chancellor for fiscal affairs, told board members. Another $7.1 million would go for maintenance and operations of 1.2 million… Reported by bizjournals 19 hours ago.

International Study Finds Inclusive Practices Have Big Impact on Street Vendors and Their Households

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Five-city study from WIEGO examines impact of government policy and practice on street vendors’ livelihoods.

(PRWEB) September 09, 2014

CAMBRIDGE, MA USA, September 9, 2014 -- New research released today highlights the important impact of city government policies and practices on street vendors’ productivity and working conditions, challenging the common view of street trade as operating outside of state regulatory structures. The study shows how street vendors, one of the informal economy’s most visible workforces, are linked to the wider urban economy and affected by government practices, macroeconomic conditions, and value chain dynamics.

In cities where local governments have created a more enabling policy environment for street vendors—by issuing licenses, expanding urban infrastructure, and ensuring well-functioning wholesale markets—street vendors report better earnings, generate revenue for city hall, spark demand for formal and informal enterprises, and fund better nutrition and education for their households, the study suggests.

Street vendors in all five study cities—Accra, Ghana; Ahmedabad, India; Durban, South Africa; Lima, Peru; and Nakuru, Kenya—reported significant challenges, however. All are experiencing rising prices for supplies or stock, but find it difficult to negotiate higher prices from customers. Street vendors are also commonly exposed to merchandise confiscations, harassment, and evictions, especially where licenses are not available.

These challenges impact household well-being. Sixty-eight per cent of street vendors provide the main source of income for their households, and another 17 per cent live in households for which the informal work of others is the main source of income. Less than 7 per cent live in households for which the main source of income is formal wage employment. Just 2 in 10 live in households with access to health insurance.

The study also finds that fruit and vegetable vendors are systematically more vulnerable to risk than vendors of durable goods. Fruit and vegetable vendors are twice as likely as durables vendors to experience merchandise confiscations, and 7 of 10 fruit and vegetable vendors said obtaining a license is a significant problem. Women in the sample are nearly twice as likely as men to sell fruits and vegetables.

“Street vendors are closely linked to local governments and to the urban economy,” says Sally Roever, Urban Research Director of Women in Informal Employment: Globalizing and Organizing (WIEGO) and the study author, based in Washington, DC. “They source goods from formal enterprises, generate demand for guards and transport operators, and make payments to city governments. But without legal protections, many of them struggle.”

The study findings imply that policymakers should better recognize the contributions of street trade to urban economies, formulate regulations that appropriately address the logic of street vending, and effectively protect basic rights to livelihood and property. It also recommends that cities address the vulnerabilities of street vendors and the households that depend on their earnings by:

i) Considering ways of designing and delivering urban infrastructure to support productivity in the informal economy;
ii) Accommodating the more vulnerable vendors in natural market areas, while enabling better-off vendors to relocate to private commercial spaces;
iii) Extending legal protections to street vendors against arbitrary confiscations and evictions; and
iv) Working with street vending organizations to identify sources of vulnerability and to design appropriate and sustainable regulations.

About the Study: The Informal Economy Monitoring Study (IEMS) examines working conditions in the informal economy for home-based workers, street vendors and waste pickers in ten cities in Africa, Asia and Latin America. IEMS is a collaboration between the WIEGO network, which led the study, and local partner organizations of informal workers in each city: the Institute of Statistical, Social and Economic Research (ISSER) and StreetNet Ghana Alliance in Accra, Ghana; the Self-Employed Women’s Association (SEWA) in Ahmedabad, India; Asiye eTafuleni (AeT) in Durban, South Africa; FEDEVAL in Lima, Peru; and KENASVIT in Nakuru, Kenya. The Street Vendor Sector Report, an executive summary and additional information can be found at http://www.inclusivecities.org/iems/ and http://www.wiego.org.

About WIEGO: Women in Informal Employment: Globalizing and Organizing (WIEGO) is a global action research-policy network that seeks to improve the status of the working poor, especially women, in the informal economy. It does so by highlighting the informal economy through improved statistics and research; by helping to strengthen member-based organizations of informal workers; and by promoting policy dialogues and processes that include informal workers. Visit http://www.wiego.org for more information. Reported by PRWeb 19 hours ago.

Health Savings Accounts Are For The Poor And The Sick

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A Health Savings Account is a store of cash that allows you to pay medical expenses not paid by health insurance. Critics have said for years that these accounts only benefit the healthy and the wealthy. They have it exactly backwards. My colleagues at the National Center for Policy Analysis and [...] Reported by Forbes.com 16 hours ago.

Expats Report Improved Health and Weight Loss When They Move Overseas - InternationalLiving.com

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The retire-overseas experts at InternationalLiving.com report on how one expat lost weight and cut his medication for diabetes in half when he moved abroad – a phenomenon, many expats say, is not unusual.

Baltimore, MD (PRWEB) September 09, 2014

With good, fresh food, more exercise, and clean air, expats say they live a healthier lifestyle overseas and it’s easy to do so.

Americans Denver Gray and his wife Ann moved to the beach town of Salinas, Ecuador in March of 2013.

“After we bought our condo, we came to Salinas for five weeks to set things up,” says Gray. “Some interesting things happened during those five weeks. Without any deliberate attempts to change our diet or lifestyle, my wife and I each lost 10 pounds.”

Denver, who has Type II diabetes, noticed that his morning blood sugar was getting lower within two weeks of being in Salinas.

"During the third week, I had to cut my medication in half because my sugar was getting too low. Once we went back to the States, both the weight and sugar levels crept back up,” he says.

Other expats report that this is not unusual. Many overweight expats who move to Ecuador find that in the first year they lose anywhere from 30 to 50 pounds—without making any conscious effort to change their diet or exercise habits.

The type of food consumed plays a big role in this change. In Ecuador, for the most part, fresh foods are grown without pesticides and chemical additives. The milk, cheese, and eggs come from animals that have not been fed steroids.

The good weather is also a factor. “The beautiful weather encourages walking or just being outside. Most days we take a morning walk down the boardwalk or an evening walk after dinner—or both,” reports Gray.

“Even walking the dog becomes a nice stroll outdoors. If we were back in the States, with sub-freezing weather and six inches or more of snow on the ground, we would not be lingering over the dog-walk,” he says.

Even though Denver and Ann have a much healthier lifestyle in Ecuador, they both had to go to the doctor once since arriving there. But what impressed them most was that the doctor made a house call.

“He showed up and did the examination. He asked some questions and made his diagnosis. In my case, he administered two injections. His fee for the visit, the injections, and the drugs he provided was $60,” reports Gray.

“You can go to clinics that charge even less, and some of them provide free services. But, as in the U.S., you may spend a good part of the day waiting in a room with other sick people. For us, knowing we can have an English-speaking doctor come to our home gives us great peace of mind,” says Gray

The full report on how expats are living a healthier lifestyle overseas, as well as information on health insurance in Ecuador, can be read here: Ecuador's Natural Weight Loss Plan.

Editor's Note: Members of the media have full permission to reproduce the article linked above once credit is given to InternationalLiving.com.

Media Contact: For information about InternationalLiving.com content republishing, available source material or to book an interview for radio, TV or print with one of our experts, contact Associate Editor Carol Barron, 772-678-0287 (US), CBarron(at)InternationalLiving(dot)com or visit the Media Center. For automatic updates on the most current stories, follow International Living Media on Twitter.

For more than 30 years, InternationalLiving.com has been the leading authority for anyone looking for global retirement or relocation opportunities. Through its monthly magazine and related e-letters, extensive website, podcasts, online bookstore, and events held around the world, InternationalLiving.com provides information and services to help its readers live better, travel farther, have more fun, save more money, and find better business opportunities when they expand their world beyond their own shores. InternationalLiving.com has more than 200 correspondents traveling the globe, investigating the best opportunities for travel, retirement, real estate, and investment. Reported by PRWeb 18 hours ago.

Bengals To Donate 100% Of Devon Still's Jersey Sale Proceeds To Fight Cancer

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Bengals To Donate 100% Of  Devon Still's Jersey Sale Proceeds To Fight Cancer Bengals To Donate 100% Of Devon Still's Jersey Sale Proceeds To Fight Cancer
Bengals To Donate 100% Of Devon Still's Jersey Sale Proceeds To Fight Cancer
American Football
Athletics
Sports
Devon Still
Has Been Optimized

The Cincinnati Bengals have been in the news for all of the right reasons over the last week.

First, the team announced that they would sign defensive tackle Devon Still to their practice squad to ensure his daughter had health insurance to cover her cancer treatments. Today, the team announced they will donate all of the proceeds from his jersey sales to cancer care and research efforts. 

Still previously said he was considering walking away from the game since he couldn’t focus 100% on football during his daughter’s battle. By signing Still to the practice squad, the Bengals ensure that he will have a sizeable income and health insurance for his daughter. Since he won’t travel with team for road games, he’ll have time to be with his daughter in Philadelphia. For obvious reasons, the move was applauded by the public.

The Bengals got another round of applause today after announcing that 100% of the money from Still’s jersey sales will be donated to the Cincinnati Children’s Hospital and to pediatric cancer care and research. Here’s to hoping we see a bunch of #75 Bengal’s jerseys fly off the rack soon.

The Bengals classy moves do not go unappreciated by Stills. Here’s what he said last week when the team announced they were signing him.

“They could have just washed their hands completely of it,” he said. “Say ‘we don’t care what’s going on in his personal life, we just want people who can care 100 percent on football,’ that’s what they pay us to do. But they thought about my personal issues and allowed me to come back on the practice squad so I still have insurance…

“The Bengals were loyal to me. I’m not about to up and leave them. Loyalty is something I really need right now because I never know what direction this is going to go with my daughter.”

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OV in Depth:  Reported by Opposing Views 15 hours ago.

Authoring the Future

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Co-Founder of Authorea, Alberto Pepe*Authorea is a web-native platform for writing technical documents collaboratively. Every document you create becomes a beautiful web-page which you can choose to share with your coauthors and the public.*

Universities have given rise to countless startups over the past decade (just look at Stanford, Harvard and MIT's many tech-babies). New York State has recognized this synergy, and Start-Up New York is offering an astounding 10 years tax-free for startups whose initiatives align with a college or university's academic mission. We're not just talking about corporate taxes here. No sales, property, or income taxes for the company and its employees!

Yet, not all of these startups are obedient children. Some of them are beginning to turn their gazes back at academia and challenge the ways in which scholarship is created and its value is measured.

A young startup named Authorea, founded by Alberto Pepe and Nathan Jenkins in 2013, is trying to bring efficiency and transparency to the process of writing scientific papers. At the same time, it hopes to revolutionize incentive structures in academia, and jumpstart scientific exploration in the 21st century.

I interviewed one of Authorea's two co-founders, Alberto Pepe.

*Where did you get the idea for Authorea?*

I've been in academia and research environments for well over a decade. If you want to move up in the ranks in academia, you have to publish papers. But, the process of writing and publishing is cumbersome and inefficient.

A couple of years ago, I met for a coffee with my friend Nathan Jenkins (now my co-founder at Authorea) and we figured there is probably a better way to collaborate on science, write and disseminate content.

*So what were the inefficiencies?*

Most people in science write in collaboration. Almost every paper has at least two or three collaborators and sometimes you have hundreds of people on a single paper.

If you're producing a document with other people, it's hard to get simultaneous collaboration done right.

Normally, scientists write one person at a time. You start working on the paper and you tell your colleagues, "Don't touch the paper, I'm working on it this week." Then, something happens, you get behind on work, and by the time you send the paper to your coauthor, he's on vacation. And so on.

Instead of taking two weeks to write a paper, it takes 2-4 months. I've been on collaborations where it takes 6+ months, when, if you had all the data ready, it should only take two weeks.

*And you think you can change this with Authorea?*

Definitely. But Authorea is about more than just improving efficiency. It's also about making science more transparent, and changing the entire incentive structure of academia and research.

The platform doesn't just bring people together. It keeps track of all the changes happening to the document. Everything is completely transparent, so you can show people how the paper evolved from the very first word to the very last word.

Right now, a scholarly paper just shows a list of authors in an author list, with no idea of who did what. With Authorea, you can keep track of each contribution, and see exactly what each author did.

*How is this going to revolutionize research and academia? *

Isaac Newton famously said, "I could only see so far because I stood on the shoulder of giants."

This is science. Science is about incremental progress, based on prior work.

In scientific papers, the content that authors generally want to deliver to the public is an image or a graph. If you look at big scientific journals, like Nature, Science, etc., what gets published is an image.

However, that image was created using a heap of data and some algorithm or workflow to analyze that data. Unfortunately, the data "behind" the image is not published, nor is the analysis.

On Authorea, instead of having flat images, we let you share and access the raw materials of science. Click on the image and you get the data. That's true scientific transparency.

If the mission of science is to make research reproducible and transparent then Authorea fulfills that mission. Our idea is to produce data-driven, data-rich articles.

*And you think this isn't happening in academia? *

Right now, one way to publish and be acknowledged by the scientific community is to publish with a "star" professor. Oftentimes papers just cite the work of famous professors, because they are famous, or their papers are, and so "have" to be cited. But very few scholars are really using or re-using their work.

We believe in the idea of "Forking." Think of an article you are authoring as a road you're walking on. Your readers can take that article, that road, and "fork it." They can build innovative research off that article. They can use your analysis with different data. This will make your work more visible and valuable.

*Instead of just citing because they have to.*

Right. If there is an open system, your research article becomes a database where you can measure the reputation of a researcher, based on how many times their research has been reused by other people. Articles on Authorea contain provenance information, so you can see what research it was based on.

I believe this is the very basis of how science should function. Research that has been used the most should get the most credit.

Authorea enables a new type of scholarly reward system, not based on citing other people's work, but based on how much that work is reused. This makes science much more egalitarian and democratic.

*So you're creating new more relevant metrics.*

Yes, metrics that belong to the modern scientific workflow. Science today is web-based. It is modular and atomic. If you need an algorithm, you're going to search the web and find that algorithm instead of looking for the scientific paper that explains it all.

Science today is much more about remixing, searching, and browsing.

How has your experience been launching a startup?

I'm an academic. All I've ever done before starting this company was research. As an undergrad I studied Astrophysics. My Ph.D. was in Information Science at UCLA, and then I did a post-doc at Harvard where I was a fellow at the Berkman Center for Internet and Society.

I had no idea what it meant to build a company: Where to start. What to do.

I remember going to a couple events at the Harvard Innovation Lab and one of my questions was: "How do I actually create a company?"

I don't think a Ph.D. or a research background necessarily gives you the skills you need to create a company. You might have analytical and research skills, but when it comes to legal administration and marketing, we lack the essential notions that anyone who has a business background will have.

*Like what?*

I had to learn how to sell. Both myself, and the product we were creating. In research we tend to be very conservative when asked for an estimate about how things are going or will go. In business, you have to be much more optimistic. You also have to learn how to take risks.

*What was the hardest part of launching a business? *

Starting up Authorea was one of the biggest risks I've ever taken in my life. I left my position at Harvard seven months ago, and we only raised seed funding last month, so I was unemployed for six months.

I had a solid academic career: a postdoc paid by NASA at the greatest academic institution in the world.

When I left, I found myself with no job, no health insurance, and a very good product. I had to spice up my game, sell the product, start talking and using the lingo of a businessman who knows about research.

At the same time I had to set up the legal structure of the company and the terms of the investment. It was very expensive. We ended up spending $30,000, which was 5% of the money we raised, and we had to spend that money out of pocket. Here's some advice: Get a good lawyer who understands startups.

*Yeah, what were the biggest lessons you learned?*

First off, I learned something about growth.

What differentiates a startup from a pizza joint is that you have to grow in an exponential manner. You start understanding growth when you start growing.

Seeing the entire process, starting with a blank webpage, with a server running in the background, and going from having ten users (who are essentially your friends giving you feedback) to ten thousand, that is very rewarding.

The other thing I learned was to work with friends. Some of the best marketing advice, sales advice and business planning was done not by talking with professionals, but with the help of close friends.

You can pay a consultant a bunch of money, but the best thing to do is stick with your friends and get the specific knowledge that you need. It's been fantastic being surrounded by great people whom I can ask for advice. So my advice to entrepreneurs is: Make great friends.

*Why did you decide to run your startup out of New York?*

We started the business in Boston, as I was based at Harvard, and there is a great academic community there. Then, I got a visiting scholar position at NYU and relocated to the city.

Over the past couple of years, I spent about three-fourths of my time in New York and the rest in Los Angeles. I thought about relocating the business to Los Angeles, and even moved there to explore the option.

But from the perspective of the people around you who know how a startup runs, from the investors, the developers, the customers--researchers, universities, etc.--New York felt a ton better than Los Angeles. I've never found a place that provides a more fitting environment for startups than New York City. Reported by Huffington Post 15 hours ago.

Obama Administration moves forward in challenging Little Sisters

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Washington D.C., Sep 9, 2014 / 03:34 pm (CNA/EWTN News).- The Obama Administration has announced that it will continue its legal fight against the Little Sisters of the Poor over the contraception mandate, which religious liberty advocates say is still unconscionable.

“Merely offering the Little Sisters a different way to violate their religion does not ease their conscience,” said Adele Keim, counsel at the Becket Fund for Religious Liberty, which is representing the Little Sisters of the Poor in court.

“Religious ministries in these cases serve tens of thousands of Americans, helping the poor and homeless and healing the sick. The Little Sisters of the Poor alone serve more than ten thousand of the elderly poor,” she observed in a Sept. 9 statement.

“These charities want to continue following their faith. They want to focus on ministry – such as sharing their faith and serving the poor – without worrying about the threat of massive IRS penalties.”

Keim responded to the federal government’s decision to move forward in a legal fight against the Little Sisters involving the controversial contraception mandate, which requires employers to offer health insurance covering contraception, sterilization and some drugs that can cause early abortions.

The announcement that the administration will continue with the case comes less than a month after it released updated rules for the application of the mandate.

The updated rules change the “accommodation” offered to non-profit religious groups that object to the mandate, including the Little Sisters of the Poor. The revised regulations say that such groups can notify the government of their objections, and the government will reach out to their insurer or a third-party administrator to provide the free coverage.

This is a slight change to the previous rule, which required religious groups to directly authorize the insurer or third-party administrator to offer the coverage they find immoral.

However, many non-profits still oppose the mandate, calling the accommodation an “accounting gimmick” and saying that insurance companies will ultimately fund the free coverage through increased premiums charged to the employers that objected to paying for the coverage in the first place.

Numerous for-profit employers have also filed lawsuits against the mandate. In June, the U.S. Supreme Court sided with two of these companies – Hobby Lobby and Conestoga Wood Specialties – saying that they cannot be forced to comply with the mandate against their religious beliefs.

In total, the controversial mandate has led to more than 300 lawsuits from individuals and groups who say that it forces them to violate their deeply-held religious beliefs. The majority of those cases have seen favorable initial rulings from courts, receiving preliminary injunctions to block the mandate.

Keim said that the Department of Health and Human Services should exempt the Little Sisters of the Poor from the mandate’s demands.

“The government has already exempted millions of Americans from this requirement for commercial or secular reasons, so it should certainly protect the Little Sisters for religious reasons,” she commented.

“Adding another layer of paperwork is a solution that only a bureaucrat could love,” she added. “The federal government has many ways to deliver contraceptives. There’s no reason it should force nuns to do that for them; the First Amendment and Religious Freedom Restoration Act offer two very good reasons why it shouldn’t.”
  Reported by CNA 13 hours ago.

Zane Benefits Publishes New Information on Account-Based Health Plans

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New information available on Account-Based Health Plans

Park City, UT (PRWEB) September 09, 2014

Today, Zane Benefits, the #1 Online Health Benefits Solution, published new information on account-based health plans.

According to Zane Benefits, health insurance costs in the U.S. are rising at an exponential rate. As such, employers are adopting account-based health plans (ABHPs) as a strategy to lower the cost of healthcare without reducing coverage for employees.

Account-based health plans are increasing in popularity, especially in light of the changes due to the Affordable Care Act (ACA). The article provides a brief overview of the four main types of medical spending accounts used with ABHPs.

Click here to read the full article.

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About Zane Benefits
Zane Benefits, the #1 Online Health Benefits Solution, was founded in 2006 to revolutionize the way employers provide employee health benefits in America. We empower employees to take control over their own healthcare, while helping employers recruit and retain the best talent. Our online solutions allow small and medium-sized businesses to successfully transition to a health benefits program that creates happier employees, reduces costs and frees up more time to serve their customers. For more information about ZaneHealth, visit http://www.zanebenefits.com. Reported by PRWeb 14 hours ago.

Cruz: Reid Refusing to Debate Anything Except How to Repeal Free Speech

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Cruz: Reid Refusing to Debate Anything Except How to Repeal Free Speech Tuesday on the Senate floor, Sen. Ted Cruz (R-TX) blasted Senate Majority Leader Harry Reid (D-NV) for wasting time on debating how to take away American's right to free speech as guaranteed in the First Amendment of the U.S. Constitution.

Cruz said Reid refuses to debate the threat from ISIS, Putin and an unsecured border but instead will spend the entire week debating his attempt to reverse the Supreme Court's 2010’s Citizens United ruling with a proposed a constitutional amendment aimed at limiting the political spending of corporations.

Cruz said, "At a time of extraordinary challenges across the globe and here at home, we are not gathered in the United States Senate to discuss how to confront the threat of ISIS. We are not gathered in the United States senate to discuss how to prevent prevent Putin's Russia from invading its neighbors. We're not gathered in the United States senate today to discuss how to solve the humanitarian crisis at the border with some 90,000 unaccompanied children coming into the country this year. We're not gathered in the United States Senate today to discuss how to bring back jobs and economic growth, how to correct the fact that the Obama economy has produced the lowest labor force participation since 1978." 

"Ninety-two million Americans not working today," Cruz continued. "And we're not gathered in the United States Senate to discuss how to stop the disaster that has been Obamacare, that has caused millions of Americans to lose their jobs, to be forced into part-time work, to lose their health insurance, to lose their doctors and to see their premiums skyrocket. Instead, we are gathered today in the senate for a very different topic. The Majority Leader and the Democratic majority in this Senate have determined that the most important priority this senate has, which we are spending the entire week addressing, is the proposal of 49 Democrats to repeal the free speech provisions of the First Amendment." 

"That is not hyperbole. typically, when Americans hear that members of the United States Senate are proposing repealing the free speech protections of the First Amendment, the usual reaction is a gasp of disbelief," he continued. "Could we really have entered a world so extreme that our common ground no longer even includes the First Amendment to the Constitution? The First Amendment protects our most foundational rights, and yet under the amendment we're debating today that 49 democrarats have signed their name to, the First Amendment would in effect have crossed out the free speech. Why? Because 49 Democrats have cosponsored a constitutional amendment that is currently on the floor of the senate, being voted on this week, that would give congress blanket authority to regulate political speech. From the dawn of our republic, we have respected the rights of citizens to express their views. It is the right upon which every other civil liberty is predicated. But in theDemocratic senate of 2014, citizens' free speech rights are tools for partisan warfare."

"This proposal before the senate is bar none the most radical proposal that has been considered by the United States Senate in the time I have served. If this proposal were to pass, its effects would be breathtaking. it would be the most massive intrusion on civil liberties and expansion of federal government power in modern times."

Follow Pam Key on Twitter @pamkeyNEN Reported by Breitbart 12 hours ago.

United Benefit Advisors Welcomes New Partner Firm: Providence Insurance Group

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Family-owned Agency Adds To UBA’s Growing Network of Independent Employee Benefits Advisory Firms Spanning North America and Europe

Indianapolis, IN (PRWEB) September 09, 2014

United Benefit Advisors (UBA), the nation’s leading independent employee benefits advisory organization, is pleased to announce Providence Insurance Group as its newest Partner Firm.

Founded as Georgia Health Administrators in 1984 in Marietta, Georgia, Providence Insurance Group has remained dedicated to serving small and mid-size employers. Since 2009, they have experienced more than 25% organic growth year over year with more than $50 million in annualized premiums.

With an average of 17 years of industry experience, the Providence Insurance Group team has grown to 21 employees and is comprised of a unique blend of tenured veterans and youthful energy. Providence Insurance Group is one of the few agencies that maintain a full-time Certified Medicare Specialist on staff and each employee is devoted to meticulously helping clients manage the responsibility of providing health insurance for themselves, their employees, and families. To learn more about Providence Insurance Group, visit http://www.pg-ins.com.

“We are excited about becoming a Partner Firm of UBA. We believe this partnership will help us deliver the technical support in the ever changing landscape of employee benefits,” said Karle Stinehour, President of Providence Insurance Group.

As the newest Partner of UBA, Providence Insurance Group joins a network of more than 130 employee benefits advisory firms that serve employers of all sizes across the United States, Canada, and Europe. As a combined group, UBA’s annual employee benefit revenues rank it among the top five employee benefit advisory organizations in the U.S. UBA is a unique community, which provides its Partner Firms the ability to tap the expert knowledge of nearly 2,000 benefit professionals and offers world class products and services to best meet the needs of employers offering competitive benefits packages.

“As UBA’s network of Partner Firms expands, it’s always gratifying to add successful, family-owned agencies like Providence Insurance Group,” said Les McPhearson, CEO of United Benefit Advisors. “Having been in the industry for quite some time, insurance to them has become more than just a business. It has become a way of life -- one that has allowed them to form lasting friendships and cultivate a tremendous sense of pride with their clientele. It is truly a pleasure to welcome them to UBA.”

ABOUT United Benefit Advisors
United Benefit Advisors is the nation’s leading independent employee benefits advisory organization with more than 200 offices throughout the United States, Canada and the United Kingdom. As trusted and knowledgeable advisors, UBA Partners collaborate with more than 2,200 fellow professionals to deliver expertise, thought leadership and best-in-class solutions that positively impact employers and make a real difference in the lives of their employees and families. Employers, advisors and industry-related organizations interested in obtaining powerful results from the shared wisdom of our Partners should visit UBA online at http://www.UBAbenefits.com. Reported by PRWeb 12 hours ago.

David Catania’s aggressive approach to D.C. health care hints at potential mayoral style

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Gregg A. Pane spent much of his three years as director of the District’s Health Department in hearings under the rigorous scrutiny of D.C. Council member David A. Catania.

“It was almost once a week — at least a hundred times I sat in front of the man,” recalled Pane, now a health insurance executive. “All the hearings were similar. You had to be ready.” Reported by Washington Post 7 hours ago.

Hospitality Industry Health Insurance Trust Offers New and Improved Plans With Extended PPO Network

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New insurance plans to be a big help for restaurant and hotel employers in Washington state during healthcare reform.

Seattle, Washington (PRWEB) September 10, 2014

The Hospitality Industry Health Insurance Trust (H.I.H.I.T.), who specializes in providing health insurance to restaurant and hotel employers, recently announced their new and improved plans. These new plans include an extended PPO network, and employer flexibility for contribution and participation.

With healthcare reform affecting so many hotels and restaurants, these new plans with industry specific flexibility will be essential for the hospitality to get through the healthcare reform changes unscathed.

The performance-based health plan (PPO) is from a H.I.H.I.T. partner, Group Health. This brand new plan aims to drive employee engagement in healthy behavior and better health care choices by offering preferred pricing for higher performing providers.

Because H.I.H.I.T. solely serves the hospitality industry, all their resources and knowledge are abundant and thorough. They understand that health insurance for this industry is unlike any other, and H.I.H.I.T. strives to be the go-to source for healthcare related topics and healthcare reform. Companies who partner with H.I.H.I.T. can rest assured they’ll comply to the new laws by January 1st. Plus, each client’s plan is reviewed in detail to ensure it’s the best fit for their unique situation.

H.I.H.I.T decided to employ these new plans with the mission to help companies in the restaurant and lodging industry to save time and be compliant, while providing the absolute best health insurance to employees.

About H.I.H.I.T.

H.I.H.I.T. is brokered through CLG Employer Resources LLC, but will also work directly with the client or their broker. This trust is designed for members of both the Washington Restaurant Association and Washington Lodging Association. Members receive access to medical and dental benefits with special provisions that are not available in the general marketplace.

Uniquely designed to bring together employer groups of 3 or more, H.I.H.I.T.’s plans allow these groups to pool their resources so they can enjoy the purchasing power of a large employer group.

To learn more about H.I.H.I.T. please visit http://www.hihittrust.com

Please contact Amber Hahn at amber@hihittrust.com or at (877) 892-9203 for media requests and inquiries.

### Reported by PRWeb 4 hours ago.

Omaha Firms Join Forces to Meet Growing Consumer Demand for Medicare Advice

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Securities America Financial Advisors Now Can Refer Clients to Medicare BackOffice for Health Insurance Plan Help

Omaha, Neb. (PRWEB) September 10, 2014

Two Omaha companies have partnered to address an emerging national trend in the financial planning, insurance and health care industries: more consumers are seeking advice on how to pick the right Medicare health plan and incorporate those health care expenses into retirement plans.

Securities America, a broker-dealer with more than 1,800 financial professionals nationwide, is working with Medicare BackOffice™, a team of insurance agents licensed, contracted and certified in all 50 states to provide Medicare advice and products. While Medicare BackOffice™ agents ultimately work directly with consumers, the company’s initial customers are financial advisors or other professionals who want to help their clients navigate Medicare while continuing to concentrate on their primary business.

“As health care costs continue to climb, more people approaching retirement are asking their advisors for advice on picking a Medicare health insurance plan and keeping health care affordable,” said Brian Hickey, Medicare BackOffice™ vice president. “We created Medicare BackOffice to help financial advisors and other professionals who don’t specialize in Medicare meet this demand so they aren’t turning clients away – and potentially losing them forever.”

By offering Medicare BackOffice™ to its financial advisors, Securities America provides a value-added service that distinguishes the company from other broker-dealers, said Zach Parker, first vice president of income distribution and product strategy at Securities America.

“At Securities America, we pride ourselves on equipping our financial advisors with tools that provide exceptional service to clients,” Parker said. “Medicare BackOffice™ gave us two solutions – first, a way for our advisors to better serve consumers who are asking for help with Medicare; and secondly, yet another way to set us apart from competitors, so that financial advisors know they’re getting an edge when they work with Securities America.”

USA Today in April reported that more than half of retirees responding to an annual survey by the Employee Benefit Research Institute are not confident that they have saved enough to pay their medical expenses during retirement. The finding came at the same time the Bureau of Economic Analysis reported that health care spending rose at the fastest pace in 10 years in the fourth quarter of 2013.

“Consumers already are feeling the pinch of higher health care spending and want help managing those expected costs in the future,” said Medicare BackOffice’s Hickey. “Financial advisors who help them with that first step – choosing the right Medicare health plan – fortify their relationship as a trusted advisor, ensuring that they’ll return when they need help with other financial needs. A broker-dealer or independent financial advisor doesn’t need to be a Medicare expert to help clients. Now, all they have to do is refer them to Medicare BackOffice™.”

About Medicare BackOffice™
Based in Omaha, Nebraska, Medicare BackOffice™ is a support service for broker-dealers, independent financial advisors, insurance agents and other professionals, helping their clients find the right Medicare health insurance plan. Professionals simply refer clients to Medicare BackOffice’s team of dedicated insurance agents, who are licensed, contracted and certified in all 50 states to provide Medicare advice and products from insurance carriers that are “A”-rated or better. By making clients’ search for Medicare answers easier and stress-free, Medicare BackOffice™ strengthens the referring professional’s relationship with clients. For more information, visit http://www.medicarebackoffice.com. Medicare BackOffice™ is not connected with or endorsed by the United States government or the federal Medicare program.    

About Securities America
Securities America is one of the nation’s largest independent broker-dealers with more than 1,800 independent advisors responsible for more than $50 billion in client assets. Reported by PRWeb 24 minutes ago.

Covered California will offer auto-renewals for 2015

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If most consumers who bought health insurance through Covered California this year sit back and do nothing, they’ll be automatically enrolled in the same plan next year. However, program officials and insurance brokers urge people to go to CoveredCA.com and use the “Shop and Compare” tool to look at options to make sure their current plan is still the best fit. The state health benefit exchange will release more details on the re-enrollment process in coming weeks, spokesman James Scullary… Reported by bizjournals 22 hours ago.

Employee Health Insurance Costs Barely Increased This Year

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For a change, the cost of the health insurance you get at work didn't go up much this year.

The cost of job-based health benefits stayed nearly flat in 2014, according to survey results released Wednesday. This year's figures continue a trend of slow growth in premiums for health insurance provided by employers.

The average annual premium for a family plan rose 3 percent to $16,834, and the average price for a single worker increased 2 percent to $6,025, the Henry J. Kaiser Family Foundation and the American Hospital Association's Health Research and Educational Trust found. Workers on family plans are paying an average 29 percent of that cost, while single employees are paying 18 percent of it. The groups polled more than 2,000 small and large employers for their report.

Workers aren't reaping much of a tangible benefit because the cost of job-based health insurance is still increasing faster than wages and overall inflation. But the growth over the last five-year period is much lower than during the two five-year periods preceding it, the survey findings show. From 1999 to 2004, family health plan premiums exploded by a total of 72 percent, followed by a cumulative 34 percent from 2004 to to 2009. Since 2009, these costs have risen 26 percent.
Source: Henry J. Kaiser Family Foundation

Despite the recent trend of smaller increases, the cost of employer-sponsored insurance has ballooned over the past 15 years, eating up a larger share of workers' total compensation. Since 1999, the average annual cost of health benefits has nearly tripled.
Source: Henry J. Kaiser Family Foundation

The historically slow increases in national health spending during recent years contributed to lower premium hikes for employer-sponsored health insurance. But companies also are limiting their health benefit expenses by making workers pick up a bigger share of the monthly premiums and of their medical bills, the survey found.

High-deductible health plans with lower premiums but greater out-of-pocket costs have become increasingly common. In 2006, just 6 percent of workers were enrolled in these plans, compared to 26 percent in 2011 and 32 percent this year. And the average size of the deductible for a single employee has risen from $584 in 2006 to $1,217 in 2014. Under plans with deductibles, policyholders must spend the full amount of the deductible out of pocket before the insurance coverage kicks in.
Source: Henry J. Kaiser Family Foundation

"The relatively low growth in premiums this year is good news for employers and workers, though many workers now pay more when they get sick as deductibles continue to rise and skin-in-the-game insurance gradually becomes the norm," Kaiser Family Foundation President Drew Altman said in a written statement.

Eighty percent of workers covered with company health benefits have plans with deductibles this year, the survey found. More than 40 percent of covered employees have plans with deductibles of $1,000 or more, and 18 percent of the plans carry deductibles of at least $2,000. Workers at firms with fewer than 100 employees are more likely to face high deductibles than those at larger employers.

The survey also found that the share of employers that offer health benefits to workers, 55 percent, was about the same this year as last year. Small companies are less likely to provide health insurance, but 90 percent of workers are employed by a company that offers benefits to at least some of its workforce. Eighty percent of employees who have access to job-based health insurance accept it, according to the poll.

Looking ahead to next year, the Kaiser Family Foundation and the Health Research and Educational Trust expect the Affordable Care Act, or ACA, to exert greater influence on job-based health insurance. Beginning in 2015, the law requires companies with at least 100 employees to offer health benefits to full-time workers, or pay penalties when employees obtain subsidized coverage via the Obamacare health insurance exchanges. In 2016, that employer mandate will extend to companies with 50 or more workers.

"The relatively quiet period in 2014 may give way to bigger changes in 2015 as the employer shared-responsibility provision in the ACA takes effect for large employers," the report says.

According to survey findings released last month by the National Business Group on Health, premiums for job-based coverage at large companies will rise 5 percent next year, and more employers will offer only plans with high deductibles. These companies expect the ACA to have only a modest effect on 2015 health benefit costs, the poll found. Reported by Huffington Post 22 hours ago.

Wonkblog: Yes, you are paying a lot more for your employer health plan than you used to

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It's not your imagination. If you have employer health insurance, you're probably paying more and more out of your own pocket.

High-deductible plans have been under the microscope during the past year, given their prevalence among new individual coverage plans offered under the Affordable Care Act. But it's also a trend that's also playing out under employer-sponsored health plans covering about 150 million people, as illustrated by the annual survey on employee health benefits from the Kaiser Family Foundation and the Health Research and Educational Trust. Reported by Washington Post 22 hours ago.

5 ways you pay more for health insurance

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Workers are shelling out more for premiums, deductibles, doctor visits and drugs as employer health insurance costs rise. Reported by CNNMoney 21 hours ago.
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